Wealth, just like your health, must be carefully preserved. Your assets need to be protected against the potential threats of erosion by taxation, the effects of inflation and investment risks.

Whatever your level of wealth, there is nothing wrong in making the decision to prepare a risk aversion strategy. Risk aversion is a reasonable and prudent strategy for anyone who is sure that they already have ample to provide for themselves and their family into the future.

All businesses are exposed to risks in their day-to-day operations. Without business insurance cover to provide protection against some of these risks, businesses would find it difficult to operate efficiently and profitably.

Adequate business insurance is therefore not a luxury - it is an absolute necessity.

Professional Financial Planning is the process which aims to help you realise your ambitions - whatever they may be. As professional financial advisers we can help you make informed decisions about your financial future, short, medium and long term.

You will almost certainly have plans of one kind or another - buying a home, starting a family, living abroad, perhaps retiring, but such ambitions have financial implications and you can't leave it all to chance.Read More

Health Insurance is probably one of the most important types of insurance you can own. Without it, an illness or accident can have serious long-term financial implications for you and your family.

Most people will be aware that Health Insurance can cover the cost of private medical treatment for any acute conditions you may suffer in the future - from something as simple as a broken bone to more serious conditions like a heart attack or cancer.

The main purpose of Life Assurance is to provide money for those people who may depend on you financially, in the event that something should happen to you. These people could include family members or business partners.

It can provide the reassurance of financial protection for you, your family and your business associates.

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.

When you retire you still need food and shelter as an absolute minimum, but of course you will want to maintain the lifestyle to which you have become accustomed, so unless you can guarantee a large inheritance or windfall, then you need to provide yourself with a secure income for the rest of your life.

A well prepared pension plan which is regularly reviewed should go some way to providing you with a reasonable level of income in your retirement.

Often, people save for a specific reason and it's usually the safest way to build up a pot of money.

It’s less risky than investing, but it offers limited growth. The most you'll earn on the money you save is the interest added. Saving is perfect for people who don’t want to take any risks with their money, and most savings accounts have easy access or are for a fixed term.

Most of us face being taxed on our income, our capital gains, and in some circumstances the value of our estate when we die.

Taxation can be very complicated and the rules, reliefs and allowances often change, so it is worth obtaining a clear grasp of how these taxes work by discussing with a professional adviser the most efficient way to arrange your finances.

Introduction To Mortgages

Mortgages tailored to your needs

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.

Since 2007 the Credit Crunch has had an effect on the number of mortgage providers available in the UK and has caused some providers to withdraw from the market altogether. There are still a significant number of lenders to choose from, and we will search from a comprehensive range of mortgages from across the market to help you find an appropriate mortgage for your needs.

We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home.

Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will review the mortgage lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements.

One of our mortgage experts will then contact you to discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with any further information you may require.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Mortgages tailored to your needs

Your mortgage is probably the largest financial transaction and commitment you are likely to undertake. Surely then you should seek mortgage advice which is individually tailored to your needs and requirements?

We are not tied to any particular lender, which means that we have the ability to act on your behalf in order to establish the most appropriate mortgage solution for you.

Since 2007 the Credit Crunch has had an effect on the number of mortgage providers available in the UK and has caused some providers to withdraw from the market altogether. There are still a significant number of lenders to choose from, and we will search from a comprehensive range of mortgages from across the market to help you find an appropriate mortgage for your needs.

We look at your mortgage not only as a loan to buy your home, but as part of your overall financial profile, in order that it ties in with your intended retirement date, when you plan to start a family and when you wish to move home.

Based on the information you provide in your meeting with our adviser (it is essential that you provide truthful and up to date information), we will review the mortgage lenders available, some of which offer exclusive products to brokers such as ourselves, to determine which lender will offer you the most attractive mortgage options suited to your particular requirements.

One of our mortgage experts will then contact you to discuss your enquiry, source the products on your behalf, answer any queries you may have and provide you with any further information you may require.

A MORTGAGE IS A LOAN SECURED AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

Forum Wealth Management Limited is an appointed representative of Sense Network Limited which is authorised and regulated by the Financial Conduct Authority. Sense Network Limited is entered on the Financial Services Register (www.fca.org.uk/register) under reference 465124.